Terms of Service

Article 1 (Purpose)

These Terms set out the rights, obligations, and responsibilities of HEY JAMES Inc. (the "Company") and the users in connection with the Fingr AI video creation service (the "Service") provided by the Company, along with other necessary matters.

Article 2 (Definitions)

The following definitions apply in these Terms.

1. "Service" means the AI-powered video creation service provided by the Company (AI script generation, TTS narration, AI image generation, slide / video composition, subtitle generation, and so on).
2. "User" or "Member" means a person who agrees to these Terms, completes account registration, and uses the Service.
3. "Credits" means the virtual settlement units that are charged or granted for use of the Service, classified as follows:
   • Subscription credits: credits granted monthly (or annually) under the subscription plan.
   • Purchased credits: credits bought separately.
   • Welcome credits: credits granted free of charge upon sign-up.
4. "Content" means videos, scripts, slides, voices, subtitles, and other items generated through the Service.
5. "Voice profile" means a voice used to generate TTS narration, including preset voices and cloned voices generated from voice samples uploaded by the user.
6. "Subscription plan" means a paid usage right that grants credits and access to the Service for a defined period.
7. "Project" means a unit of work the user creates inside the Service to produce a video.
8. "Billing key" means the payment authentication credentials registered through Toss Payments for auto-billing.

Article 3 (Company information)

Article 4 (Effect & changes to the Terms)

1. These Terms take effect by being posted on the Service screen or otherwise notified to users.
2. The Company may amend these Terms within the scope permitted by applicable law, and will post any amendment within the Service at least 7 days before its effective date.
3. For amendments unfavorable to users, the Company will give notice at least 30 days in advance and will also notify users individually by email.
4. Users who do not agree to amended Terms may terminate the user agreement. If a user does not express refusal within 30 days from the notice, the user is deemed to have agreed to the amendment.

Article 5 (Forming the user agreement)

1. The user agreement is formed when a user agrees to these Terms and the Privacy Policy, applies for membership, and the Company accepts the application.
2. Sign-up is available with email and password, or via Google social login.
3. For email sign-up, the email verification step must be completed before the Service can be used normally.
4. The Company may refuse sign-up — or terminate the agreement after the fact — in any of the following cases:
   • The user provided false information.
   • The user is under 14 years old.
   • The user has previously had Service access restricted for violating the Terms.
   • There is a technical impediment.

Article 6 (Restriction for users under 14)

1. The Service is available only to users aged 14 or older.
2. If a user under 14 is found to have signed up, the Company will immediately delete the relevant account and destroy the related personal data.

Article 7 (Account management)

1. Users are responsible for managing their own account information (email, password, etc.).
2. Users may not share, transfer, or lend their account to third parties.
3. If the registered information changes, the user must update it immediately on the profile page.
4. The user is responsible for damage caused by careless password management, account sharing, or similar acts.
5. If unauthorized use of an account is detected, the user must promptly notify the Company.

Article 8 (Service contents)

The main contents of the Service are as follows:

1. AI script generation: AI generates a video narration script based on the topic and conditions entered by the user.
2. TTS narration: Converts the generated script into voice.
3. Voice cloning: Generates a personalized voice profile from voice samples uploaded by the user.
4. AI image generation: AI generates B-roll images for use in videos.
5. Slide / video composition: Combines script, voice, image, and subtitles into a final video.
6. Subtitle generation: Automatically generates subtitles aligned with the narration.

The Service is provided using third-party AI APIs (Anthropic, MiniMax, FAL.ai, etc.), and Service quality, speed, and availability may vary depending on the circumstances of those API providers.

Article 9 (Credit system)

1. Costs from AI API calls are deducted in credits when the Service is used.
2. Credit validity periods are as follows:
   • Welcome credits: 1 year from the date granted.
   • Subscription credits: until the end of the relevant subscription period (no carry-over).
   • Purchased credits: 1 year from the date of purchase.
3. Credits are deducted from subscription credits first, and then from those expiring soonest.
4. Credits cannot be transferred to others and are not refundable in cash.
5. Expired credits are automatically forfeited and cannot be restored.

Article 10 (Subscription plans & auto-billing)

1. The Company offers the following subscription plans:

   Plan	Credits	Monthly	Yearly
   Starter	15,000	₩9,900	₩99,000
   Pro	45,000	₩29,900	₩299,000
   Business	150,000	₩99,900	₩999,000

2. Subscription payments are processed through billing-key-based auto-billing via Toss Payments.
3. Subscriptions are renewed automatically on the expiry date, with email notice 7 days in advance.
4. Additional credits may be purchased separately in 10,000-credit increments (₩10,000 per pack).
5. Payment methods are credit or check cards; the registered card may be changed in the user's profile.

Article 11 (Subscription cancellation)

1. Users may cancel a subscription at any time. Cancellation disables auto-renewal, and the Service may continue to be used until the paid subscription period expires.
2. After cancellation, the subscription may be reactivated until the expiry date.
3. Credits remaining at the time of cancellation can be used until the subscription expires.

Article 12 (Withdrawal & refunds)

1. Withdrawal: Users may withdraw the subscription within 7 days of the payment date. However, if any credits have been used, the digital content is deemed to have been consumed and withdrawal is restricted.
2. Refund processing: Where withdrawal is permitted, the full payment amount will be refunded to the original payment method within 3 business days.
3. Mid-term cancellation of yearly plans: If a user cancels a yearly plan mid-term, the period used will be calculated at the standard monthly rate, and the remaining balance will be refunded.
4. Non-refundable items: Credits granted free of charge — including welcome credits — are not refundable.
5. Refund requests can be sent to customer support at james@heyjames.ai.

Article 13 (Voice cloning conditions)

1. Voice cloning is a feature that sends voice samples uploaded by the user to a third-party API provider (MiniMax) to generate a voice model.
2. By using voice cloning, the user agrees to the following:
   • Only the user's own voice — or a voice for which the user holds lawful rights — will be uploaded.
   • Uploaded voice data is transmitted to MiniMax servers located overseas (China).
   • The Company will not use the user's voice data for any purpose other than providing this Service.
3. All legal liability arising from uploading another person's voice without authorization rests with the user.
4. Use of voice cloning for malicious purposes — including deepfakes, impersonation, and fraud — is prohibited; violations result in immediate suspension of Service access.

Article 14 (User obligations & prohibited acts)

Users must not engage in any of the following acts.

General prohibited acts

1. Registering false information.
2. Misappropriating another person's information.
3. Misuse of the Service via automation tools, crawling, etc.
4. Acts that interfere with the stable operation of the Service.
5. Infringing the intellectual property rights of the Company or third parties.

AI service prohibited acts

6. Generating illegal or harmful content (pornography, child exploitation material, hate speech, etc.).
7. Generating content that infringes the portrait rights or personality rights of others.
8. Using the Service to generate or distribute false information or fake news.
9. Cloning another person's voice without authorization.
10. Impersonating another person by abusing deepfakes.
11. Reverse-engineering or bypassing the API.
12. Spam or abuse via mass automatic generation.

For violations, the Company may, after prior notice, restrict or suspend Service access or terminate the user agreement. However, in urgent cases the Company may take immediate action without prior notice.

Article 15 (Content copyright & usage rights)

1. Rights to source materials the user provides (topic, research notes, etc.) belong to the user.
2. The Company grants the user a non-exclusive usage right — including for commercial use — over the content generated by AI through the Service (scripts, images, voices, etc.).
3. The copyright status of AI-generated outputs is unsettled under current law and may change as relevant laws evolve.
4. Restrictions under the terms of third-party AI API providers (Anthropic, MiniMax, FAL.ai) may apply.
5. The Company will use the user's content only to provide and improve the Service, and will not disclose it externally without separate consent.
6. Responsibility for the copyright and portrait rights of audio files uploaded by the user rests with the user.

Article 16 (AI output disclaimer)

1. The Company does not guarantee the accuracy, suitability, or legality of content generated by AI.
2. AI may generate information that differs from fact ("hallucination"); the Company is not responsible for this.
3. The user is responsible for reviewing and verifying generated content before using it.
4. If a dispute with a third party arises from generated content, responsibility rests with the user who used that content.
5. The Company does not guarantee the naturalness or accuracy of TTS voices, nor the quality of AI images.

Article 17 (Service changes / interruption / termination)

1. Service changes: When operationally or technically necessary, the Company may change all or part of the Service, with at least 30 days' prior notice for material changes.
2. Temporary interruption: The Service may be temporarily interrupted due to scheduled maintenance, system failure, third-party API failure, force majeure, or similar causes.
3. Termination of Service: If the Company terminates the Service, it will give notice at least 60 days in advance and will refund any unused paid credits.
4. If a third-party AI API provider (Anthropic, MiniMax, FAL.ai) suspends its service, the related feature may be temporarily limited; in such cases the Company will use reasonable efforts to arrange alternatives.

Article 18 (Termination of the user agreement)

1. Termination by user: Users may terminate the user agreement at any time by deleting their account on the profile page.
2. Termination is handled as follows:
   • Personal data is destroyed immediately, except for items that must be retained under applicable law.
   • Projects and generated content are retained for 30 days after withdrawal and then destroyed.
   • Cloned voice profiles are deleted immediately.
   • Remaining credits are forfeited; refunds for paid purchased credits follow Article 12.
3. Termination by Company: If the user violates the prohibited acts in Article 14, the Company may terminate the user agreement after prior notice. However, in urgent cases the Company may terminate immediately without prior notice.

Article 19 (Damages & liability)

1. If the Company causes damage to a user through willful misconduct or gross negligence, the Company will compensate that damage.
2. The Company's liability for damages is capped at the total Service fees the user paid to the Company over the prior 12 months.
3. The Company is not liable in any of the following cases:
   • Service interruption due to force majeure such as natural disasters or war.
   • Failure attributable to a third-party API provider (Anthropic, MiniMax, FAL.ai, Toss Payments).
   • Service interruption attributable to the user.
   • Damage related to credits granted free of charge (such as welcome credits).
4. If the Company or a third party suffers damage attributable to the user, the user must compensate that damage.

Article 20 (Governing law & jurisdiction)

1. The interpretation and application of these Terms is governed by the laws of the Republic of Korea.
2. For any dispute arising from use of the Service, the Seoul Central District Court has jurisdiction as the court of first instance.

Article 21 (Dispute resolution)

1. Disputes related to use of the Service should first be addressed through the Company's customer support (james@heyjames.ai).
2. If the parties cannot resolve the dispute, resolution may be sought through any of the following bodies:
   • Korea Fair Trade Commission consumer dispute mediation
   • Korea Consumer Agency dispute relief (1372 from anywhere in Korea)
   • Electronic Commerce Dispute Resolution Committee
   • Personal Information Dispute Mediation Committee (1833-6972 from anywhere in Korea)

Article 22 (Supplementary provisions)

1. These Terms take effect on April 4, 2026.
2. The previous Terms of Service (effective April 1, 2026) are replaced by these Terms.